The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$9,695
−HK$608/mo
▼ 0.25% · 3.875%
HK$9,997
−HK$306/mo
Today · 4.125%
HK$10,303
baseline
▲ 0.50% · 4.625%
HK$10,930
+HK$627/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$20,606/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$10,786
−HK$583/mo
▼ 0.25% · 3.875%
HK$11,075
−HK$294/mo
Today · 4.125%
HK$11,369
baseline
▲ 0.50% · 4.625%
HK$11,968
+HK$599/mo
Deposit HK$2.13M · loan HK$2.13M · min. income ≈ HK$22,738/mo (50% DSR)
Upfront cash ≈ HK$2.18M (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,634
−HK$730/mo
▼ 0.25% · 3.875%
HK$11,996
−HK$368/mo
Today · 4.125%
HK$12,364
baseline
▲ 0.50% · 4.625%
HK$13,116
+HK$752/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$24,728/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,943
−HK$699/mo
▼ 0.25% · 3.875%
HK$13,290
−HK$352/mo
Today · 4.125%
HK$13,642
baseline
▲ 0.50% · 4.625%
HK$14,361
+HK$719/mo
Deposit HK$1.70M · loan HK$2.55M · min. income ≈ HK$27,284/mo (50% DSR)
Upfront cash ≈ HK$1.75M (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,573
−HK$851/mo
▼ 0.25% · 3.875%
HK$13,996
−HK$428/mo
Today · 4.125%
HK$14,424
baseline
▲ 0.50% · 4.625%
HK$15,302
+HK$878/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$28,848/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,100
−HK$816/mo
▼ 0.25% · 3.875%
HK$15,505
−HK$411/mo
Today · 4.125%
HK$15,916
baseline
▲ 0.50% · 4.625%
HK$16,755
+HK$839/mo
Deposit HK$1.28M · loan HK$2.98M · min. income ≈ HK$31,832/mo (50% DSR)
Upfront cash ≈ HK$1.33M (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$17,451
−HK$1,095/mo
▼ 0.25% · 3.875%
HK$17,994
−HK$552/mo
Today · 4.125%
HK$18,546
baseline
▲ 0.50% · 4.625%
HK$19,674
+HK$1,128/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$37,092/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$19,415
−HK$1,048/mo
▼ 0.25% · 3.875%
HK$19,935
−HK$528/mo
Today · 4.125%
HK$20,463
baseline
▲ 0.50% · 4.625%
HK$21,542
+HK$1,079/mo
Deposit HK$425K · loan HK$3.83M · min. income ≈ HK$40,926/mo (50% DSR)
Upfront cash ≈ HK$476K (deposit + AVD stamp duty HK$50,463 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).